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About GemShield® Jewelry Insurance

The best way to protect jewelry is jewelry insurance. Our coverage is designed to provide extensive protection for your jewelry. And extraordinary flexibility should anything ever happen to it. Get a jewelry insurance quote today.

Comprehensive, Worldwide Coverage

With GemShield's "all risk" coverage, your jewelry is protected from almost every imaginable risk, anywhere in the world.

Automatic Coverage for New Jewelry

Any new jewelry you purchase while insured through GemShield receives limited coverage for up to 30 days. And it can be easily added to your policy for full coverage.

Personalized Claims Settlement

If your jewelry is lost, stolen, or damaged, we send you back to your jeweler to repair or replace it. Or, if you prefer, use our network of jewelers for a completely personalized experience.

Repair or Replacement of Like Kind & Quality

Repair or replace your jewelry to the same state it was before being damaged, lost, or stolen. Repair or replace brand name jewelry with the same brand name, not a cheaper substitute.

Fantastic coverage, quickly and simply. Get a quote

Compare GemShield® coverage with other insurance options:

  GemShield Renter's Policy [1] Homeowner's Policy [1] Jewelry Warranty

What is Covered?

Loss
Theft Often limited Often limited
Damage Not all damage Often limited Limited; regular inspections required
Earthquake/Flood
Gifts to others (e.g. fiancée) Same address only Same address only
Worldwide coverage
  GemShield Renter's Policy [1] Homeowner's Policy [1] Jewelry Warranty

Other Features

Flexible coverage Up to $50,000[2] Capped as low as $1,000 Capped as low as $1,000 - 5,000 Capped at purchase price of jewelry
Flexible deductible from $0 to $1000 Fixed Same as overall policy
Personalized claims settlement Work with your jeweler Jeweler chosen by insurance company Jeweler chosen by insurance company Only the jeweler from whom you purchased
Discounts Multiple, jewelry specific Limited or none Limited or none
Limited impact of claims No impact to other policies you may have (home, renter's, auto) Jewelry-only claim may increase total premium or make jewelry uninsurable Jewelry-only claim may increase total premium or make jewelry uninsurable N/A

[1] Typical coverage without additional premium; coverage and terms vary widely across insurers when "scheduling" jewelry on a homeowner's or renter's policy

[2] Higher coverage limits may be available; please contact us to learn more

Personalized jewelry insurance quote available in minutes. Get a Quote

Frequently Asked Questions

Straightforward answers to most common questions.

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